In its National Payments Vision (NPV), the Government set out its commitment to supporting the development of seamless account-to-account payments through Open Banking as a ubiquitous payment method. This would provide consumers and merchants with more choice in how they pay and are paid for goods and services and enable greater innovation and competition in payments, all while providing adequate consumer protections. The Government has tasked the Financial Conduct Authority (FCA) with developing the strategic and regulatory roadmap for Open Banking in the UK to deliver this. The Government has also invited, along with the FCA, the development of an industry-led proposal for a sustainable commercial model for the future of Open Banking Payments (OBPs).